Verificaes de Crdito

-Esttica
Verificao de crdito: executar verificao esttica
Indica se o sistema realiza uma verificao esttica de crdito.
Utilizao
A utilizao de um crdito do cliente no pode ultrapassar o limite de crdito. A utilizao de um crdito
composta pelo valor total acumulado de:

documentos de vendas pendentes

documentos de remessas em curso

documentos de faturamento pendentes

itens pendentes (contabilidade de clientes)

Nos campos ao lado, ser possvel indicar se o sistema dever considerar todas as ordens e todos os
fornecimentos pendentes.
Nota

O valor da ordem pendente o valor dos itens da ordem que ainda no foram fornecidos.

O valor da remessa em curso o valor dos itens de remessa que ainda no foram faturados.

O valor do documento de faturamento pendente o valor dos itens do documento de faturamento

que ainda no foram transferidos para a contabilidade.

Os itens pendentes representam documentos que j foram transferidos para a contabilidade, mas
que ainda no foram liquidados pelo cliente.

Dinmica
Verificao de crdito: executar verificao dinmica
Indica se o sistema realiza uma verificao dinmica do limite de crdito dentro do horizonte de crdito
indicado.
Utilizao
A utilizao de um crdito do cliente composta por uma parte esttica (referente a valores de itens
pendentes, remessas em curso e documentos de faturamento pendentes) e por uma parte dinmica
(referente a valores da ordem pendente).
O valor da ordem pendente inclui todas as ordens que ainda foram fornecidas ou que somente foram
parcialmente fornecidas. Este valor calculado com base na data de expedio e no horizonte de crdito a
ser entrado pelo usurio noc prximo campo. Todas os valores da ordem pendente com uma data de
expedio vencida devero ser ignorados pelo sistema na verificao de crdito. O total da parte dinmica
e esttica da verificao no poder ser ultrapassada pelo limite de crdito.

Val. Documento
Verificao de crdito em relao ao valor mximo da opera.
Indica que o sistema efetua uma verificao de crdito com base no valor mximo do documento.
Utilizao
No permitido que o valor da ordem ou da remessa ultrapasse o valor mximo a ser indicado no campo
ao lado. Este valor ser indicado na moeda da rea de controle de crditos. Este tipo de verificao til,
por exemplo, para processar ordens de novos clientes cujo limite de crdito ainda no foi especificado. A
verificao de crdito poder ser acionada pela classe de riscos que foi especialmente definida para novos
clientes.
Campos Crticos
Verif.crdito em relao a campos crticos (datas valor)
O cdigo controla a verificao de campos crticos. Se o campo estiver marcado, o sistema verifica se os
campos crticos foram modificados.
Utilizao
Os seguintes campos so relevantes ao realizar uma verificao:

Condies de pagamento

Datas valor adicionais

Data valor

Nota
Esta verificao somente deve ser utilizada para documentos de vendas!

Prx.dt. verif
Verif.crdito em relao prxima data de verif.cliente
Indica se o sistema realiza a verificao de crdito com base na prxima data de verificao.
Utilizao
A prxima data de verificao de crdito est gravada no registro mestre de clientes.
Durante o processamento de documentos, a data de verificao de crdito no pode ser anterior data
atual.
Nota

Ser possvel definir um buffer de tempo para este tipo de verificao de crdito. No campo ao lado, o
usurio poder indicar por exemplo, o nmero de dias que sero adicionados prxima data de
verificao de crdito.

Partida pendente
Verif.crdito em relao a partidas pendentes em atraso
Indica se o sistema executa uma verificao com base nas partidas em aberto.
Utilizao
Este tipo de verificao de crdito realizado em funo de dois valores a serem entrados pelo usurio
nos seguintes campos:

porcentagem mxima de partidas em atraso

nmero de dias em atraso das partidas em aberto

A proporo das partidas em aberto (que ultarapassam o nmero indicado de dias em atraso) para o total
das partidas em aberto no deve exceder a porcentagem indicada.

Partida pendente mais antiga

Verif.crdito em relao partida pendente mais antiga
Indica se o sistema realiza uma verificao de crdito com base na partida mais antiga em aberto.
Utilizao
A partida mais antiga em aberto no pode existir a mais tempo do que o nmero de dias indicado.

Nv. Mx de Adv.

Verif.crdito em relao ao nvel mximo de advertncia

Indica se o sistema realiza uma verificao de crdito com base no nvel mais elevado de reclamaes de pagamento.

Utilizao
O usurio dever entrar o nvel mais elevado de reclamaes de pagamento no campo ao lado para este tipo de
verificao de crdito. O nvel de reclamaes de pagamento ser controlado pelo sistema e registrado como dado de
crdito no registro mestre de clientes. O sistema realizar uma verificao de crdito se este nvel de reclamaes de
pagamento for ultrapassado no processamento da ordem ou no processamento da remessa.

Campo abaixo somente para clientes classe B

% em relao ao limite

Verif.crdito: nmero de dias sem verificao

Indica o nmero de dias aps os quais uma nova verificao de crdito dever ser efetuada para um
documento modificado.

Utilizao
Esta funo ser executada para verificar os documentos que foram modificados aps j terem sido
liberados por um responsvel pelos crditos. O sistema NO realizar uma verificao de crdito
novamente se as seguintes condies forem vlidas:

O valor de crdito no maior que o valor liberado (incluindo os fatores de desvio) E

a data atual no mais recente do que a data de liberao mais o nmero de dias indicado
aqui.

Verif.crdito: desvio de x % do valor da operao

Indica o fator de desvio para documentos para os quais um crdito foi aprovado.

Exemplo
O usurio indica um fator de desvio que corresponde a 10%. Uma ordem contendo 10 caixas de um
material (preo = $100 por caixa) possui o valor total de $1000. O cliente telefona e inclui mais
caixas ao pedido. Se o fator de desvio ultrapassar 10%, o sistema realizar uma nova verificao de
crdito.

Procedimento
Indicar uma porcentagem.

Fator sazonal em %
Indica a porcentagem que aumenta ou reduz o limite de crdito de um cliente provisoriamente.

Exemplo

Se o usurio entrar 5% neste campo e marcar o campo 'menos', o limite de crdito aprovado para o
cliente no montante de $10.000 ser aumentado em $500 adicionais.

Procedimento
Indicar uma porcentagem e eliminar o fator sazonal se o mesmo no for necessrio.

Sinal negativo fator sasonal em %

Este cdigo controla se o limite de crdito aumentado ou reduzido pela porcentagem indicada pelo
usurio.
Se o cdigo for ativado, o limite de crdito ser reduzido pela porcentagem. Em caso contrrio, se o
cdigo no for ativado, o limite de crdito ser aumentado pela porcentagem.

Exemplo
Se o usurio ativar o cdigo e entrar 5% no campo '%', o limite de crdito aprovado para o cliente
ser reduzido de $10.000 para $500.

Incio da validade do fator sasonal

Data at a qual os centros devem ou tm autorizao para confirmar as quantidades solicitadas.

Utilizao
A data de confirmao da solicitao somente ser utilizada em solicitaes de notificao ou em
anncios da ao de promoo com notificao.
Se data de confirmao da solicitao for atinginda, a sede atualizar a quantidade confirmada e as
confirmaes recebidas posteriormente pelo usurio (quantidades solicitadas dos centros) no sero
mais consideradas.

Fim da validade do fator sasonal

Data at a qual os centros devem ou tm autorizao para confirmar as quantidades solicitadas.

Utilizao
A data de confirmao da solicitao somente ser utilizada em solicitaes de notificao ou em
anncios da ao de promoo com notificao.
Se a data de confirmao de solicitao for atingida, a sede atualizar a quantidade confirmada e as
confirmaes (quantidades solicitadas dos centros) recebidas posteriormente pelo usurio no sero
mais consideradas.

Hi,
The configuration steps for risk management

How To Do Configuration For Credit Management

Credit and risk management takes place in the credit control area. According to your corporate
requirements, you can implement credit management that is centralized, decentralized, or somewhere in
between.
An organizational unit that represents the area where customer credit is awarded and monitored. This
organizational unit can either be a single or several company codes, if credit control is performed across
several company codes. One credit control area contains credit control information for each customer.
For example, if your credit management is centralized, you can define one credit control area for all of your
company codes.
If, on the other hand, your credit policy requires decentralized credit management, you can define credit
control areas for each company code or each group of company codes.
Credit limits and credit exposure are managed at both credit control area and customer level. You set up
credit control areas and other data related to credit management in Customizing for Financial Accounting.
The implementation guide is under Enterprise Structure -> Definition or Assignment -> Financial
Accounting and then Maintain credit control area. You assign customers to specific credit control areas and
specify the appropriate credit limits in the customer master record.
Settings for determining the credit control area of a document. The settings of items 1 - 4 are taken into
account according to their priority. The credit control area found is stored in field VBAK-KKBER.
1. Transaction OB38
Check which credit control area is assigned to the company code.
Company code:
Credit control area:
2. Transaction OVFL
Check which credit control area is assigned to the sales area.
Sales area:
Credit control area:
3. Transaction XD02 or VD02
Check which credit control area is assigned to the payer.
Payer:
Credit control area:
4. Transaction SE37
Is user exit EXIT_SAPV45K_001 being used?
5. Transaction OBZK
For the settings under items 2 - 4, field "All company codes" must be marked in Transaction
OB45, or the credit control area must be entered under the relevant company code in table T001CM of the
credit control areas allowed.
Company code:
Credit control areas allowed:
6. Settings for the credit checks
7. Transaction OVAK
Which settings do exist for the sales document type used?
Sales document:
Check credit:
Credit group:
8. Transaction OVAD
Which settings do exist for the delivery type used?

Delivery type:
Credit group for delivery:
Credit group for goods issue:
9. Transaction OB01
Credit management/Change risk category
Definition of the risk category for each credit control area. This risk category can be assigned to a credit
account by using Transaction FD32.
10. Transaction OVA8
Here, the individual credit checks for key fields
o credit control area
o risk category
o credit group are set. Take these key fields from the above settings and go to the detail screen. In
particular, check whether fields "Reaction" and "Status/block" are set correctly. To carry out follow-up
actions in case of a credit block, the credit check status must be set (field "Status/block").
11. Transaction FD32
Credit master data for the payer of the relevant document.
Credit account:
Credit limit:
Risk category:
Currency:
12. Settings for updating the credit values Update of the credit values is required for the limit check (static
or dynamic credit limit check).
13. Transaction OVA7
Update of the credit value is active for the corresponding item type if the check box is marked. This field
corresponds to
field "Active receivable" in Transaction VOV7.
Item type:
Active receivable:
14. Transaction V/08, Pricing
In the pricing procedure used for pricing, subtotal "A" must be entered in a line for determining the credit
value (mark the pricing procedure and doubleclick on "Control").
Usually, the net value plus taxes is used. This way the system is determined to use this subtotal for credit
pricing. The credit price is stored in field VBAP-CMPRE and used for update and credit check.
You can find the used pricing procedure of the order under "Item -> Condition -> Analysis".
Pricing procedure:
Line with subtotal = 'A':
15. Transaction OB45
Which update group (field "Update") do you use in the relevant credit control area? The default setting is
"12". If you use another update group, check whether this is fine with you. If you open an OSS message,
please tell us the alternative update group.
Credit control area:
Update:
16. Transaction OMO1
Which kind of update did you choose for structure S066?
In any case, "Synchronous update (1)" has to be chosen as the kind of update. All other settings will
lead to errors.
Credit Management Reports
The following table provides an overview of all the reports that are available for credit management:
Program Function

RFDKLI10 Customers with Missing Credit Data

Checks whether the data regarding credit limits is complete and issues relevant error lists. These enable
you to maintain the relevant definitions either manually or with batch input.
RFDKLI20 Reset Credit Limit for Customers
Resets the credit limit information in the control areas.
RFDKLI30 Credit Limit Overview
Lists the central and control area data for each customer.
RFDKLI40 Credit Overview
Provides a comprehensive overview of the customeru2019s credit situation.
RFDKLI41 Credit Master Sheet
Displays and prints the customer master data for an individual account that is needed for credit
management.
RFDKLI42 Early Warning List
Displays and prints customers in Credit Management who have been listed by the credit check as critical.
RFDKLI50 Credit Limit Data Mass Change
Changes all the credit management master data together.
RFDKLIAB Display Changes to Credit Management
Displays the changes to credit management master data for all accounts.
RVKRED06 Check Blocked Credit Documents
Checks all the documents blocked for credit reasons. The report is started in the background and should
run after the incoming payments programs.
RVKRED77 Reorganize SD Credit Data
Reorganizes open credit, delivery and billing values. It can be used in the event of an update error, for
example.
RVKRED08 Checking sales documents which reach the credit horizon
Rechecks all sales documents that fall within the credit limit horizon of the dynamic credit limit check. The
report is run at regular intervals and should be run at the start of each period. The system uses the current
date and the period split for the open order values to propose the u2018next credit check dateu2019.
RVKRED09 Check Credit Documentation Background
Checks released documents whose validity period of the release has been exceeded (number of days).
RVKRED88 Simulating Reorganization of SD Credit Data
To run a report:
1. Choose System Services Reporting.
2. Enter the name of the report.
3. Choose Program Execute.
4. Enter your selection criteria.
5. Choose Program Execute or Program Execute and print.
SAP SD Credit Management Tcodes
All business have their own credit management needs, SAP allows you to specify your own automatic
credit checks based on a variety of criteria. You can also specify at which critical points in the sales and
distribution cycle the system carries out these checks.
SM30 - Table/View
u2022 V_TVTW - Define Distribution Channel
u2022 V_TVTA_KKB - Assign sales area to credit control area
u2022 V_T014 - FI - Define Credit Control Area
u2022 T001CM - FI - Assign Permitted Credit Control Area to company code
OVXG - Set up Sales Areas
e.g. Sales Organization
Distribution Channel
Division

Distribution Channel
Division
FD32 - Customer Credit Management
OVAK - Define credit limit check by sales document type
u2022 Check Credit
o A - Credit limit check and warning message
o B - Credit limit check and error message (no sales order can be created)
o C - Credit limit check and delivery block (block delivery if hit credit limit)
Options B and C -> used for checking open order values (when you create/change the sales order)
o

D - Automatic credit control with open order values

More control in transaction OVA8 - Automatic credit control
You check for open orders and deliveries, or just open deliveries.
or open order values with other options

u2022 Credit group

o Allows you to combine different sales document types for the credit limit check
VKM1 - Blocked SD Documents - Finance have to released the delivery block
OVAD - Define credit limit check by delivery order
u2022 whether the automatic credit check occurs at the time of delivery creation and/or goods issue
OVA7 - Define credit limit check by item category
u2022 Set whether to include/exclude item category for credit limit check
OVA6 - Define credit group. You can groups together different business transactions which should be dealt
with in the same manner with regard to the credit check.
You enter the credit groups when you configure the sales document types for credit management and
define the (D - automatic credit check).
u2022 SAP default credit groups
o 01 - credit group for sales order
o 02 - credit group for delivery
o 03 - credit group for goods issue
OVA8 - Automatic credit control - Double click on the line items
You can have the followings credit limit check :u2022 Static
Depends on the customer total value of open orders, deliveries, billing documents and open items.
u2022 Open items
No of days open
Overdue open items checks is based on the ratio of open items that are overdue by a certain number of
days.
Max open items %
The customer balance must not exceed a certain percentage.
u2022 Oldest open items
If you don't want to deliver to the customer at all when even only 1 invoice is overdue.
Tick the Check for Oldest Open Item and Set the field Days oldest item = 1.
Dayu2019s oldest item
No of days allowed for overdue or payment terms.
Use of the credit checks Oldest Open Item. If a user attempts to alter the order quantity of a released sales
document
that was previously blocked, it would be re-blocked again by the system. The system only re-blocks the
sales document if the new order quantity is above a certain % amount.
u2022 Released documents are still unchecked

The preset % is whatever you want to set it as when configuring your automatic credit processing. You
enter a deviation % and number of days,eg, you can set it so that an order can be changed by up to 10%
within 30 days of original order entry date without it going back on credit block.
u2022 Next Review Date
If a customer has a credit limit of 1000 USD, and you would like to restrict this credit limit only to be
available in current month (say March). If the document date is in April then the credit limit is zero.
You can use the "NextReview date" and "Number of days" fields and combined it with the "Last int.review"
field in customer credit master "Status" view (FD32).
VOKR - Display of work list for credit management (configure the display variant)
SIMPLE CREDIT CHECK:
Tr.Code - FD32
It Considers the Doc.Value + Open Items.
Doc.Value: Sales Order has been saved but not delivered
Open Item: Sales Order has been saved, Delivered, Billed & Transferred to FI, but not received the
payment from the customer.
Eg: Customer Credit Limit is Rs.1, 00,000/Suppose Doc.Value + Open Item Value is Rs.1,10,000/Here credit limit exceeds then system reacts.
Options: A) Warning Message
B) Error Message (Sales Order won't be saved)
C) Error Message with Delivery Block
AUTOMATIC CREDIT CHECK: Give extra credit facilities to the particular customer.
STATIC CREDIT LIMIT DETERMINATION: Checking Group + Risk Category + Credit Control Area.
A) Credit Checking Groups: Types of Checking Groups.
01) Sales
02) Deliveries
03) Goods Issue
At all the above 3 levels orders can be blocked.
B) Risk Category: Based on the risk Categories Company decides how much credit has to give to the
customer.
HIGH RISK (0001) :
LOW CREDIT
LOW RISK (0002) :
MORE CREDIT
MEDIUM RISK(0003): AVERAGE CREDIT
Static Credit Check it checks all these doc value & check with the credit limit
1) Open Doc.Value / Sales Order Value: Which is save but not delivered
2) Open Delivery Doc.Value: Which is delivered but not billed
3) Open Billing Doc.Value: Which is billed but not posted to FI
4) Open Item: Which is transferred to FI but not received from the customer.
DYNAMIC CREDIT CHECK:
1) Open Doc
2) Open Delivery
3) Open Billing
4) Open Items
5) Horizon Period = Eg.3Months
Here the System will not consider the above 1,2,3& 4 values for the last 3 months
Then assign the Sales Doc & Del Documents.

Sales Doc.Type(OR) + credit Check (0) + Credit Group (01)

Credit Limit Check for Delivery Type : Del.Type (LF) + Del Credit
Group (02) + Goods Issue Credit Group (03)
User Exits For Credit Checks And Risk Management
Credit Check
I hope this will resolve your issue
Thanks
Anil Hooda